Yogi Government Financial Inclusion: The financial inclusion policy of the Yogi government in Uttar Pradesh has strengthened the network of banks. There has been an increase in both deposit and loan, improvement in CD ratio and banking services to rural areas.
Uttar pradesh banking growth: The banking system of Uttar Pradesh is constantly getting stronger. The financial inclusion policies implemented under the leadership of Chief Minister Yogi Adityanath and the strategy of connecting government schemes to banks have increased the confidence of the public on banking. Now the network of banks is not limited to cities, but has also spread to towns and villages. The June 2025 figures clearly show this strength.
Why did the increase in deposit and loan disbursement?
By June 2025, the deposit amount of banks in the state has increased by ₹ 1.86 lakh crore to Rs 19.39 lakh crore, which is 10.60% more than in June 2024. At the same time, the annual growth of ₹ 0.93 lakh crore (8.79%) was also recorded in the loan disbursement, the total amount was Rs 11.45 lakh crore. It is an indication that the atmosphere of investment and credit is continuously improveing.
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Why is the improvement in CD ratio important?
The CD ratio of the state was 59.04% in March 2025, which remained stable at 59.05% in June 2025. This stability indicates a balanced banking system. District wise data also shows that CD ratio has been improved significantly in many districts. The number of districts with more than 80% CD ratio has increased, while the number of districts below 40% is only 6.
Banking expansion in rural and semi -urban areas
Banking activities in more districts have now expanded compared to 2014. The number of districts with 60% to 80% CD ratio has reached 21. This means that banking services have also expanded in rural and semi -urban areas and local credit requirements are being met.
Result of coordination between government and banks
According to experts, this change is the result of government efforts and strong coordination of banking institutions. The initiative of financial support from Mukhyamantri Swarozgar Yojana, Startup India, ODOP (One District One Product) campaign and digitization initiative has strengthened the banking system. As a result, Uttar Pradesh is emerging not only as an agrarian state, but also as an economic and financially strong state.
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